Free UK tax calculators built by chartered accountants

Yes. Every calculator is built and maintained by chartered accountants and reflects the current 2025/26 tax year rates as well as confirmed 2026/27 changes from the Budget. This includes the £12,570 Personal Allowance freeze, the 8% / 2% Class 1 Employee NIC bands, 15% Employer NIC, the 8.75% / 33.75% / 39.35% dividend rates rising 2 percentage points from April 2026, the £90,000 VAT threshold, the 18% / 24% Capital Gains Tax rates, the £325,000 Nil Rate Band for Inheritance Tax, and Section 24 mortgage interest restriction rules. We update the figures whenever HMRC or the Treasury publishes changes.

Yes, completely free. No sign-up, no email capture, no credit card. Each calculator runs entirely in your browser with no data sent anywhere. We provide them as a public service and as a way to introduce people to LOYALS. If you decide you want professional help after using a calculator, you can book a free 15 minute call with our chartered team.

No. The calculators run entirely on your device using JavaScript. Nothing you type is sent to our servers, stored in cookies, or shared with anyone. Refresh the page and your numbers are gone. This is by design, your tax information is private.

The calculators give you accurate estimates based on the inputs you provide, but real-world tax bills can differ for several reasons. You may have allowances HMRC knows about that we do not ask about (Marriage Allowance transfer, Blind Person's Allowance, prior year losses), benefits in kind on a P11D, capital allowances on assets, or HMRC may be using a different tax code. The calculators are a planning tool, not a substitute for filing your actual return. For final figures use HMRC's online services or speak to your accountant.

For employees on PAYE, start with the Take-Home Pay Calculator. For sole traders or freelancers, use the Self Employment Tax Calculator (or Construction CIS Tax Calculator if you are a CIS subcontractor). For limited company directors, use the Dividend vs Salary Calculator and the Sole Trader vs Limited Company Calculator together to model your structure. For landlords, use the Section 24 Impact Calculator and the Property Investment Calculator. For property buyers, the Stamp Duty Calculator. For tax planning around retirement or estate, use the Pension, Capital Gains Tax, and Inheritance Tax Calculators. If you are not sure, book a free 15 minute call with us.

All our calculators are designed to handle the most common scenarios accurately, but some positions need professional modelling. Multiple income sources, salary sacrifice plus pension contributions plus benefits in kind, married couple ownership transfers, partnership profit splits, EIS or VCT investments, residency or domicile issues, and incorporation transfers all need our chartered team. We offer a £1,200 fixed-fee Tax Planning Workshop that produces a written tax strategy report. Most clients save 5x to 50x the workshop fee within 12 months.